I have been selling on eBay for 15 years. Up until last week I believed that eBay had some kind of "seller protection" in place in the event I had a serious problem with a buyer. Two weeks ago I sold a camera to a buyer. This past Monday the buyer requested a refund because he claimed the camera didn't work properly. I received the camera back and found that the buyer had broken the film winding crank and caused internal damage to the camera. I notified eBay of the problem and was prepared to send photos of the damage if necessary. Within an hour of sending my complaint to eBay, they sent me a "final determination" e-mal. They deducted $175.00 from my PayPal account and gave the buyer a full refund.! I immediately cancelled all my auctions and will probably never sell on eBay again.